Personal coverage
Flood Insurance
Flood damage is specifically excluded from standard homeowners and renters policies, so without a separate flood policy you'd pay to rebuild entirely on your own. If your home sits in a FEMA-designated high-risk flood zone, your mortgage lender is legally required to make you carry it — and even in lower-risk areas, just a few inches of water can cause tens of thousands in damage.
Personal Intake
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Now quoting: Flood Insurance